License details

This website holds information for Australian Residents only.

Clarity Financial Group holds an Australian Credit License under the National Consumer Credit Protection Act 2009 as issued by ASIC. License number 387423. We are members of the Finance Brokers Association of Australia. Membership Number 4111. We are members of the Australian Financial Complaints Authority. Membership Number 45422.

Australian Finance Group
As Mortgage Brokers we are required to process our loans through an Intermediary Company. We work with Australian Finance Group Pty Ltd as they have the best support in place to maintain our industry training and compliance. AFG provide an electronic platform which allows us to submit your loan application online directly to the lenders. This enables us to cut days off the loan process.

Michael has great knowledge of the finance industry and his advice is second to none. He showed me ways to save money on my mortgage by way of refinancing. Thank you Michael!Ann, October 2017

Michael Searle is the best at what he does. His professionalism and knowledge of what he does is shown by how seamless the entire process is from application to settlement. Paige, November 2017

The service provided by Nitish went above and beyond my expectations. He was patient and kind and has an excellent knowledge of the products on the market and ensures that the clients needs are met to a 'T'. Kelly, October 2017

Shannon is excellent in his profession, he is a great communicator and a good listener. We would be more than happy to recommend Shannon to friends and family. Gabi, October 2017

Using Rob was a painless process - he did all the leg work, we just had to sign the documents!Tracey, November 2017

I have no hesitation in recommending Rob and Clarity as a mortgage broker with knowledge, understanding and integrity who will work with you to achieve your goals and ambitions.Mark, October 2017

I entered the processes as a clueless first time buyer. Shannon worked at my pace to ensure I was confident with what was happening and what to expect next. I could not praise him highly enough.Amie, October 2017

Arman found the best loan for us and made the process of switching lenders quick and hassle-free. I cannot recommend him highly enough.Natasha, October 2017

It was a delight to work with Arman as he was very friendly and accommodating as well as professional. He made the process of putting my mortgage application through very easy. Arshia, October 2017

Arman walked us through what was a complicated finance arrangement. The outcome was great as was the entire process - easy and trouble free.Samuel, November 2017

Nitish was always professional, courteous and understanding of our needs, and his honest, friendly and personable approach was very much appreciated in what was a big life decision for us.Michael, October 2017

Nitish guided us through the whole process. It was so comforting to have him help us at each step of the way.Jennifer, June 2017

The professional and experienced staff at Clarity Home Loans are here to help you navigate through all the complexities involved in home finance.

Taking into account all aspects of your specific personal situation, we can identify the most suitable loan and most appropriate loan structure for you from our extensive panel of lenders.

Throughout the entire transaction we maintain constant communication with you, the lending institution and all other legal parties to ensure the process remains as smooth, easy and problem free as possible.

At Clarity Home Loans, we know that our job doesn’t end when your loan is settled. We pride ourselves on the partnership we build with you, consulting you every step of the way from the initial meeting, through to the settlement of the loan and beyond.

Our Complimentary Services

As a full-service home loan brokerage provider, Clarity Home Loans takes the stress out of home loans, handling everything for you - from assessing your situation, applying for the loan, liaising with the lender and other parties through to settlement. This service saves lenders a significant amount of time and money.

By using a broking service such as ours, lenders are able to save money – they don’t need as many staff, as many branches, or to spend as much on training, equipment and IT, so it’s in the lender’s interests to pay us for the service we provide. Lenders have played a big part in encouraging the development of the broking industry, and currently, around 40% of all loans in Australia go through mortgage brokers.

Our Commission Structure

Clarity Home Loans pays its Mortgage Brokers the same percentage of the loan amount, regardless of the lender that is used. This means that you can be completely confident that we focus solely on identifying the most suitable loan and the most appropriate loan structure for you.

Clarity Financial Group holds an Australian Credit License under the National Consumer Credit Protection Act 2009 as issued by ASIC. License number 387423.

Your accredited Mortgage Broker, together with our experienced administration team, will handle the entire process from start to finish, maintaining constant contact with you and providing you with a hassle free loan transaction.

1. Initial Contact

When you first phone the Clarity office, one of our experienced Mortgage Brokers will ask you a number of detailed questions to determine your current financial situation and make sure that we are properly prepared for our meeting with you. Understanding your current financial circumstances and your specific needs means that we can identify the lender, loan type and product that is right for you.

Once a convenient time for a meeting has been arranged, you will receive a confirmation email with a list of documentation you will need to bring along. Alternatively, you may be asked to complete our Client Information Sheet. To open, please click here. The document will open in a new page, and you will be able to type directly into the document, then save it and either email or fax it back to your Mortgage Broker.

2. Selecting the right loan for you

Once your financial needs and loan requirements have been discussed and all information confirmed with you face to face, we will identify the best loan and lender for your particular situation. The loan application process will be fully explained, and any hidden costs associated with your loan product will be made clear. We will also identify any other fees that will arise in the process of the financial transaction and will assist you in completing the loan application forms.

3. Submitting your Loan Application

Once we receive all of your supporting documentation, we will submit the loan application to the lender and ensure that it is processed in a timely manner. Our dedicated administration team will be heavily involved assisting in the smooth processing of your loan. Their input during this part of the process makes a huge difference to the outcome.

4. The approval process

As soon as your loan is approved we will notify you and continue to work hard behind the scenes to ensure the documentation is finalised quickly and easily. We liaise constantly with your solicitor, lender, real estate agent and any other relevant parties, so you can relax knowing your loan has been approved and is progressing as needed.

5. Settlement

Once your loan documents have been signed, either in the presence of your solicitor or Mortgage Broker, we will return them to the lender in preparation for settlement. We will continue to liaise with your solicitor in the lead up to settlement to ensure that everything continues to run smoothly.

6. Ongoing support

Once your loan has been settled we will make sure that everything is finalised. The fact that we stay so involved throughout the entire process means that we can be your first point of contact for any query regarding your finances for the entire length of the loan. Your details are safely stored in our Client Care Program to ensure that we don’t lose touch and can continue to be of service to you in the future.